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What is the benefit of opting riders/add ons??

Riders/add ons are the additional benefits which can be added to the basic policy by paying marginal additional premium. Each company has got their own set of rider and most common riders offers by insurers are:
» Term rider.
» Critical illness rider.
» Accidental death and dismemberment rider.
» Waiver of premium rider.


What is a term assurance?
What is whole life plan?
What is an endowment assurance plan?
What is money back plan?
What is an assignment?
What is a nomination?
Can I take a loan on my policy ?
How can I revive a policy?
What is the procedure in case of a lost policy?
What are the Tax benefits available?
What is surrender value?
How much life insurance should an individual own?
When does a policy acquire paid up value?
What is meant by "mortgage redemption policy"?
What is the benefit of opting riders/add ons?
What is permanent total disablement?
What is meant by a 'with profit plan'?
At what intervals are actuarial valuations conducted?
What is the system of bonus calculation?
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